Introduction
MM Insurance ("we," "our," or "us") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your personal information when you visit our website or use our services.
We are subject to the Personal Information Protection and Electronic Documents Act (PIPEDA) and applicable provincial privacy legislation. This policy reflects our commitment to compliance with these laws and industry best practices.
Information We Collect
Information You Provide
We collect information that you voluntarily provide to us, including:
- Contact information (name, email address, phone number, mailing address)
- Date of birth and age
- Employment and income information
- Health information (when applying for insurance coverage)
- Family and beneficiary information
- Financial information relevant to insurance needs
- Any other information you choose to provide in communications with us
Information Collected Automatically
When you visit our website, we may automatically collect:
- IP address and general location information
- Browser type and version
- Operating system
- Pages visited and time spent on our website
- Referring website addresses
How We Use Your Information
We use the information we collect to:
- Provide insurance advice and recommendations tailored to your needs
- Process insurance applications on your behalf
- Communicate with you about your coverage and inquiries
- Send periodic emails regarding services and industry updates (with your consent)
- Improve our website and services
- Comply with legal and regulatory requirements
Disclosure of Information
We may share your personal information with:
- Insurance carriers and underwriters when processing applications
- Third-party service providers who assist in our operations (subject to confidentiality agreements)
- Regulatory bodies as required by law
- Professional advisors (lawyers, accountants) as necessary
We do not sell, trade, or rent your personal information to third parties for marketing purposes.
Health Information
Insurance applications often require health information. This sensitive information is collected only with your explicit consent and is used solely for the purpose of obtaining insurance coverage on your behalf. We maintain strict confidentiality and security measures for all health-related information.
Data Security
We implement appropriate technical and organizational measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction. These measures include encryption, secure servers, and restricted access to personal data.
Data Retention
We retain your personal information for as long as necessary to fulfill the purposes for which it was collected, to comply with legal obligations, resolve disputes, and enforce agreements. Insurance-related records are typically retained for a minimum of seven years after the end of the client relationship.
Your Rights
Under Canadian privacy law, you have the right to:
- Access your personal information held by us
- Request correction of inaccurate information
- Withdraw consent for collection and use (subject to legal limitations)
- Request deletion of your information (subject to retention requirements)
- File a complaint with the Privacy Commissioner of Canada
Third-Party Links
Our website may contain links to third-party websites. We are not responsible for the privacy practices of these external sites. We encourage you to review their privacy policies.
Children's Privacy
Our services are not directed to individuals under 18. We do not knowingly collect personal information from children. If you believe we have collected information from a child, please contact us immediately.
Changes to This Policy
We may update this Privacy Policy from time to time. Changes will be posted on this page with an updated revision date. We encourage you to review this policy periodically.